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* Volume 35 * Number 14 


By Roger Smith 
Page 2 


By зй Шо. 
Раде 23 


МаКіпр А 


Imagine you are driving and you look down at your 
dashboard only to notice your gas gauge is on empty. 
Deciding now is the time to fill-up, you take the next exit 
toward town, and it becomes apparent there are several 
places you can service your car. The first place is an old, 
run-down station with one pump, no one working and a 
sign which says, "Self Serve.” The second place is a full 
service station with one attendant and higher gasoline. 
prices. Your third choice is a station offering borh self 
serve and full service, has а convenience store with several 
employees on duty and gas prices that are just right. 


Which station would you choose? 


То me the choice is obvious — the station which offers 
the best value, Station number. 


PERSPECTIVE 


Difference 


At American Income we demonstrate our commitment to 
doing it right everyday! Everything we do from claims 
processing то fielding phone calls is done with everyone's 
best interests in mind. 


Our strategy in today's changing market is to provide the 
best product possible to the working men and women of 
this country, thereby offering them the best value. 

At AIL, we are dedicated to building relationships with 
our Producers as well. We feel it is our job to support our 
Producers so they, in turn, can offer their best. We make 
understanding your preferences and needs our number one 
priority! This із why we are continuously searching for 
ways to improve the way we do business which will make а 
difference to you and the markets 


three had the right products 
with the right price and the 


you serve. 
We want you to love what you 


people available to assist in the FROM THE DESK OF: are doing because when you love 
service of the product, Roger Smith what you are doing success just 
The decision to buy any mica | happens naturally. 

product is usually based on the Marketing Officer of | George Burns once said, “Fall in 


best value. In turn, value is 
determined by the products 
ability to perform its purpose 
and the company's willingness 
to stand behind its product. If 
neither perform, the product 


‘ours to win or lose." 


“Yesterday is not ours to recover, but tomorrow is 


American Income Life love with what you are going to 


do for a living. To be able to get 
our of bed and do what you love 
to do for the rest of the day is 
beyond words. I'd rather be а 
failure in something I love than 


— Lyndon B. Johnson. 


and the company will more 
than likely disappear. 
According to an article published in the December 2001 
issue of the National Underwriter, “Companies that will 
succeed in the future will move from providing quality to 
providing value." In other words, when it comes to 
succeeding in the insurance industry, it is not only about 
doing things right, but doing the right things, right. 


When we sell insurance coverage, we are selling an 
intangible. Instead of a product you can hold or feel, such, 
as clothing or cars, we sell promises on paper. Therefore, 
it is imperative we are able to fulfill those promises. 


successful at something I hi 
American Income has prospered in this industry, while 
others have struggled, because of our commitment to 
providing top-value. After all, what is a company without 
а superior support team backing it up, and who is a 
Producer without a strong company paving the way to the 
future? Making a difference is what AIL is all about. We 
want to make a difference in your lives and the lives of the 
millions of people who count on our products to provide 
them with the protection they need. Now, as 2002 comes 
toa close lets continue to make a difference and push to 
our goal — $75 million. Lers Ride! 


2 SPOTLIGHT NOVEMBER 2002 в WWWAILIFE COM 


EDITOR’S PAGE 


Dates to Remember 
Thursday, Nov. 28 and Friday, Nov. 29, 2002 
The Home Office will be closed for the Thanksgiving Day holiday. 
Monday, Dec. 23 through Wednesday, Dec. 25, 2002 
‘The Home Office will be closed for the Christmas holiday. 
Friday, Dec. 27, 2002 
All business and PR. credits must be received in Waco 
to count for December production 


Milestones 
$100,000 In Force 
The following Agents have $100,000 of in-foree premium: 
Guy Panno Anita St. Arnaud 


James Schneider 


Getting It Right 

In last month's issue of Spotlight, the number three General 
Agent should have been listed as Carey Thompson not Bill 
Thompson. We apologize for any inconvenience or confusion 
this may have caused. 


Look For The Asterisk 


The asterisks, shown throughout the magazine, indicate that 
place will be a year-to-date award winner. ‘The Producers, who 
will be recognized at the 2003 Disney" Awards Presentation, аге 
as follows: the top SGA from each category, the top two PR, 
Managers and the top three Representatives from each chtegory, 
the top five MGAs, the top SA, the top five GAs and the top 
ten Individual Producers. Check your production! If there is an 
asterisk by your position, you could be an award winner! 


Dear American Income. . . І 


Dear Mr. Smith: 


Dear Mr. Pagano: 


Having successfully completed our work at 
the 102nd National Convention of the 
American Flint Glass Workers Union held 
recently in Palm Springs, California, Ган 
writing to you that on behalf of the national 
staff and the entire membership. We are 
looking forward to working with you over 
the next three years. 

With a fragile economy and ап uncertai 
future facing this country's manufacturing 
community, I believe it is in our c 
interest to work together to insure profitable 
businesses, thus ensuring stable jobs. Please 
feel free to call on me, or any member of my 
staff, to discuss issues important to our 


mon 


It is with pleasure that I accept АШ» kind 
invitation to join the Labor Advisory Board. 
The Labor Council for Latin American 
Advancement and AIL have had a great 
working partnership for many years. As the 
newly elected president, 1 am committed to 
continuing our efforts to empower Latino 
trade unionists and their families. 

Access to the Life insurance AIL provides 
many of our members is part of feeling 
powered. The other is through АП» 
contributions to LCLAA. These resources 
help us continue our many union programs. 

1 look forward to working with you and all 
the Labor Advisory Board members. 


Published monthly by 
American Income Life 
Insurance Company 
for the dissemination. 
of information to its 
Agents, Permission 
must be obrained prior 
to reproduction 
or other use of 
‘material herein. 


common interest. мат vou MARKETING 
Yours truly, edil 
дос 
В —z © ыма 
Т TS klen raion 
ы PE i 
Tim Tuttle 
National President ae " 
шы хам LCLAA 
Required Retention Rate 


Beginning Jan. 1, 2002, to be eligible for bonuses and featured in Spotlight, top Producers must meet the required Retention rate, 


or the minimum Net to Gross ratio*. 
Net to Gross: 77 percent 
Retention: 64 percent 
+ Net Gm od ld the racer fini orth 


©2002 by American Ir 


SPOTLIGHT NOVEMBER 2002 WWWAILIFE.COM 


income Lie Insurance Company. 


Enn 


JUSTA WORD 


Aiming Higher 


When Mark McAndrew challenged us all at the 
convention last June to aim higher, reach up to the next 
level and become a truly great company, inwardly 1 
bristled, “This is already a great company,” I insisted to 
myself. However, the more 1 thought about it, the surer 1 
became Mark was right. When we become satisfied — 
individually or collectively — is when we cease growing. 
Ambitious goals are necessary for high achievement. 1, for 
one, am glad Mark and Roger are not easily satisfied. 

They keep setting new goals and prodding this entire 
organization to higher ground. 

E: 
imagine their own potential, 


е sales groups fail because they never let themselves 


company with low expectations, would we? 

At this year's beginning — worried about the economic 
downturn, the volatile world situation, unsteady stock 
market and shaky customer confidence — many corporate 
heads throughout America were scaling back their sales 
expectations for the year. They lowered their goals. 


Not American Income! We set our mark upward — 25 
percent above the ambitious goal we set, met and 
exceeded last year! And thanks to our Field Force's 
enthusiastic response and high performance, for six 
successive months this year our company has chalked up. 
six new records, the very highest 


Their self-expectations are too 
low. Others fail because they 


[ez 


sales performances in American. 
Income Life's 51-year history. 


Other business leaders, in other 


bait their trap with misleading FROM THE DESK OF: 
sla и organizations, were saying, 
expectations. Recruiters hold ЕШТЕ =», were ying, ч 
out unrealistic promises of an PONO cech. Lets ушш, 
casy way to get rich quick, PED con and scale back” 


Following this lure, it does not 
take a new recruit long to 
become disillusioned. 


Nobody grows rich in a hurry, 
even while meeting his 
monthly goals. That is where 


‘great aim.” 


“All who have accomplished great things have had 


Roger Smith said, "Let's ride!" 
And that is what we are doing. 
In the process, we are adding 
more than $75 million in new 
ALP this year — thanks to you! 


e [5 There is a real thrill, isn't there, 


intermediate and long-term 
goals come in, 1 hope every one of us is setting them, 
looking down the road, never ceasing to grow. 


In April, at the SGA meeting, we held a retirement party 
for Stanley Zeidner. After 25 productive years as an 
Individual Producer, General Agent and State General 
Agent, Stanley retired. He will have to get by on his 
$90,000 a month in renewals. That is more than a million 
dollars annually! This, of course, did not come overnight, 
nor is it the result of average performance. But it is 
certainly do-able! 

American Income Life is a company with very high 
expectations. Face it — we would not want to work for a 


in setting a goal and making it? 
That is true of a personal goal, or an Agency goal, or a 
Company goal. It is what someone called "the lift of a 
driving dream." Especially so, when it is the satisfaction of 
a team effort, a shared achievement. 


That is what every member of our organization feels when 
each and every one of us succeeds. It is what you feel 
when your Agency is recognized at a convention — the 
pride, the excitement, the sense of accomplishment. 

The lift of a driving dream! That is a big part — along 
with other ingredients | will mention from time to time — 
of what makes a truly great company! 


4 SPOTLIGHT NOVEMBER 2002 = WWW.AILIFECOM 


PROMOTIONS 


P 


Justin Anderson 

Alan Jennings 

Utah 

Cheryl Brottem 

Alan Jennings 

‘obama 

Edward Daley 

Giglonerster 

Massachusetts 

ету Griggs 

Vid Basov 

Tens 

Lad Hrovat Michael Johnson 

Bil Jennings ‘Shashi Paris 

Colorado South Carolina 

Kirk Kupsky David Laggan 

Geneser man Rob Boles 

шек Ohio 

Mellgren Robert Morton 

Gary ier. A Shahrak 

Wisconsin North Carolina 

William Plunkett Dennis Pochron 
James Surace 
о 
John Seabourn 
Roveri Sith 
 Okahona 


Silas Thomas. 


Adam Мена 
Chris Lafond 
Nebraska 


Promoted To General Agent 


William Askew Roman Berman 

An Jennings Giglone Brister 

Michael Christensen | Bret Fels 
Geneser-Bitman 
"inis 
Shahzad Khokhar 
Ontario 
Gary McClanahan, 
Larry Geneser 
шегі 

Michael Stanford Christy Stare 

Alan Jennings Dennis cler 

Utah Peansyvania 


Promoted To Master General 


Lorena Barriere 


David Cohen Ricx tig 
Dennis Kelleher Abraham Kim 
Gigione-Bster David Cohen 
Massachusetts сайта 


Linda Baucknecht-Hicks S 


gent 


Vicki Bealinan Gabriel Војо Elaina Bosco 
КЕЧ ‘avid Cohen Tom Willams 
Virginia ста 22 
Don Buttery Timothy Cantwell Michael Chesney 
КОЗ lon Jennings Gonesetnan. 
Ontario Utah Minois 
Byron Fletcher Robert Gauci Joshua Goodman 
Guy Roule Nicholas Nitkowski Bil Jennings 
Vermont Louisiana Colorado 
Nathan Heimlich Dina Hohn Robert Houchin 
Rob Boles Chris Lafond ‘Geneser- Biman 
Kentucky Nebraska Minois 
Craig Jorge Matthew Kennedy Jobn Konapka 
Gary Beer Erie Giglone 
Wisconsin Now Jersey 
Neil Lilly Evanne McKenzie. 
Eric бйле ‘Steve Friedlander 
Pennsyivania Non 2eaiand 
Suzanne Neff Derek Palmer 
Kevin Pawlowski ‘Alan Jennings 
төм Utah 
Jones Porter Judy Ramos 
Robert Sith Gigllone-Brister David Cohen 
онтоп Massachusetts Calera 
Kin Seong Dan Simperi William Slocum 
Joshua Chalom Steve Friedlander ames битсе 
Ontario New Zealand Pennsylvania 
Sergey Tovmenko Tiffani Tran Michael Ungerleider 
Lary Geneser Giplone ster Er Gigone 
Missouri Massachusetts Now Jersey 
ТЕСІГІ 
Robert Paterson 
Hew Mexico 
Alex Bluhm Ken Boore John Bumett 
жолға Vad Basov Vad Basov 
Сақта Texas 

Floyd Hines E 

Hurst Корр Giplone Bitur 

Aransas Nostochusots 


Bradley Kincaid Gene Lancour Anderson Louima 
Fick Aig A Staak Ton Wii 
нонй p таша 
Ted Poulos Maia Putte Merari Rodrigues 
о-в" Hurst Корр СЕК 
Wossschsets зате Massachusetts 
Anthony Thomas Brod VanAlfen 
Tom Williams Giglione-Brister 
кош p 

Agent 

va Beckly Майа Bellajaro Sean Coggins 

Pick Aig Fick Ai К 
Mimosaa кш pos 
Scott Mitchell Alex Roland James Sun 
Kavin avis Chris Latona таш 
Toas [m Washington 


SPOTLIGHT NOVEMBER 2002  WWWAILIFECOM 


Eric Brookshire 
Tim Schroeder 
Lousiana 

Kevin Costello 
Eric буть 

Nw sorsey 
Christa Grantham 
Vie Hancock 
Indiana 

Gregory Krid 
төле > 
South Dakota 
Todd Kuen 

Gary Bieler 
Wisconsin 

Glenn McSweeney 
Alan Jennings 
Von 

Daniele Patch 
АЛ 
Nevada 

William Rowland 
Rober ith 
Oklahoma 

Ату Snyder 
Ton vans 
поа 

Kenneth Vidacovich 
ЕСТІ 

таа 


Kendal Borns 
ЕТЕГІ 
тем 

Todd Jordan 
Rick Manstilé 
Maino 

Larry Lozano 
желі 
Сайта 
Detrick Smith 
Kevin Powowski 
төш 


Lincoln Fischer. 
Rick Al 
Tennessee 


INDIVIDUAL PRODUCERS 


Woodridge, IL 


3. Marlon Underwood. 


Woodridge, IL 


Los Angeles, CA 


Jacksonville, FL 


Concord, CA 


Great Neck, NY 


4. Eddie Norman 
Woodridge, IL 


6, Lance Brown 
Las Vegas, NV 


8, Steven Johnson. 


Framingham, МА 


Ft. Lauderdale, FL 


WWWAILIFE COM 


All Time Record to Beat 


сайа Miller 


1. Timothy Cruise 
. Teddence Bailey 
. Marlon Underwood 
. Eddie Norman 
. Yvonne Hernandez 
. Lance Brown 
. James Dattilo 
. Steven Johnson 
. John Rice 
. Jennifer Baron 
Daryl Kenney 
Paul Kress 
Barry Rehm 
Matthew Wolfanger 
Russell Morris. 
Mervyn Ee. 
Shamshinder Sidhu 
Benjamin Glover 
Philip Wiley 
Arthur Westergren 
21. Ronald Магх 
22. George Hays 
23. Wai-Ming Wong 
24. Rajeev Arora 
25. Kirk Kupsky 
26. Susanne Munro 
27. Camy Smith 
28. Alfred O'Connor 
29. James Lawrence. 
30. Charles Paclik 
31. Suzanne Stenger 
32. Jim Bianchi 
33. John Chamblee 
34, Robert Ulreich. 
35. Jason Schlomann 
36. Ed Kimm 
37. Cal Bogert 
38, Maia Pruitt 
39. Mark Bleier 
40. Chris Hernandez 
41. Michael Boniszewski 
42. Rudi Camenzind 
43, Gary McClanahan 
44. John Franklin 
45, Janice Olfus-Carter 
46. Steve Fujitani 
47. Allen Green. 
48. Kent Booze 
Lori Turping 
. Marlaina Lago 


Ввазәәкавссаоесштотькем 


INDIVIDUAL PRODUCERS _ 


Eric Nichols 
96 Theodore Pappas 
Marlon Underwood. 
Eddie Norman 

a David triye 

Darren Miller 
James Dattilo 

97 Dennis Kelleher 


Doreen Ryan-Foti 
William Cook 

95 Marlon Underwood 

95 Mindy Guisewite 

89 Ladislav Lesanek 


Paul Rumbuc 


94 
90 Russell Chang 
Brian Traboulay 
Brian Schaefer 
96 Derek Hartley 


9 Erik Graham 
Gregory Partee 
Lee Conti 
Rajeeve Arora 
Damon Hartley 
Steven Greer 
Israel Pena 
Steven Greer 
Vito Pecoraro 
Eric Neal 

David Hausman 
Paul Rumbuc 


Roger Johnson 
Jonathan Saluk 
James Sun 

Patrick Shehan 
Gordon бейіп 


Charles Todd 
Paul Rumbuc 
Erik Graham. 
Patrick Shehan 


Cathy Thompson 
Раш Hardy. 


Ronald VanWoesik 
Lori Turping 
Jonathan Saluk 


SPOTLIGHT NOVEMBER 2002 в WWWAILIFECOM 


Year Ез Octoher Qualifiers 
$41,337. 2001 
| netaip | wc [no | мл | — so | 


Scott Smith. 
Richard Rutt 
Scott Smith 
Scott Smith 
David Cohen 


Cohen-Hartman — Y 


Marc Zipper. 
Giglione-Brister 
Jatott-Foti 

Tom Williams 
Scott Smith 
Matt Blumert 
Ali Shahrak 
Durhon Oldham 
Marc Zipper 
Rick Alig 

Rick Alli 

Vic Hancock 

Ali Shahrak 
Tom Williams 
David Cohen 
Vic Hancock 
David Cohen 
Rick Alti 
Geneser-Bitman. 
Durhon Oldham 
Tom Williams 
Durhon Oldham 
Eric Giglione 
Geneser-Bitman 
Eric Giglione 
Duron Oldham 
Wittenbach-Ostrovsky 
Jatoft-Foti 
Richard Rutt 
Rick Altig 

Larry Geneser 
Hurst Kopp 
Gary Bleier 
Scott Smith 
Durhon Oldham 
David Cohen 
Larry Geneser 
David Cohen 
Tyrone Conard 
Rick Altig 
Richard Rutt 
Vlad Basov 
Rick Altig 
Richard Rutt 


2 Percentage of Net to Gross 


7 


INDIVIDUAL PRODUCERS 


All Time Record to Beat 
Net ALP Year 
Timothy ( $242,696 2000 


. Timothy Cruise 

. Marlon Underwood 

. James Datlilo 

. Lance Brown Darren Miller Cohen-Hartman 

. David Wang Y David Wang Scott Smith 

. John Rice T Doreen Ryan-Foti Jatoft-Foti 

. Kelly McDonald 4 Jatoft-Foti 
Ruben Soberanes { Doreen Ryan-Foti Jatoft-Foti 

. Jim Bianchi 122,704 Paul Rumbuc Durhon Oldham 

. Jennifer Baron 119,281 William Cook Tom Williams 

‚ Matthew Wolfanger 118,886 Paul Rumbuc. Durhon Oldham 
Ab-Karim Wali 118073 Melinda-Rae Lyse Rick Altig 
Јову Kennedy 116,565 Gary Williams Rick Altig 

. Roland Parker. 116,159 Tom Williams 
Russell Morris 115,820 Marc Zipper 
Raymond Lau 111,396 Roger Fung Rick Altig 
Andrew Rosberg 108, ТА Theodore Pappas Richard Rutt 
David Tubbin David Tubbin Rick Altig 

. Joshua Robinson d Leslie Taylor Geneser-Bitman 
Alex Roland Alex Roland Chris Lafond 

. Сату Smith i Israel Pena Tom Wiliams 
Anita St. Arnaud j T Christine Hartman Cohen-Hartman 
Mark Bleier { T Gary Bleier 

|. Kendra Roberts | Robert Delesky Eric Giglione 

. Guy Раппо 1 David Cohen 

. Keith Zabrocki | Bruce Hennick Marc Morton. 

‚ Douglas Bauknecht Gary Williams Rick Altig 
Clay-Nghla Nguyen [ Ronald VanWoesik Vlad Basov 
Julie Wells . Nickolay Gusev Уай Basov 

Ramin Maghsoud Уай Basov 

31. Scott Remmey Jeffrey Dinocento Eric Giglione 
32. Leslie Taylor . Leslie Taylor Geneser-Bitman 
33. Steve Foti Steve Foti Jatott-Foti 

34. Larry Wright Robert Patterson. 
35, DeMario Cooper DeMario Cooper Geneser-Bitman 
36. Moneesha Smith Jeffrey Dinocento Eric Giglione 
37, James Schneider ‘Michael Knapick Scott Smith 

38. Carl Boldon Charles Todd Scott Smith 

39. Scott Kangas Wendell Bangs Rick Altig 

40. Chris Hernandez Charles Todd Scott Smith 

41, Lynn Erickson. David Cohen 
42, Abdulrazzaq Ahmed Abdulrazzag Ahmed Scott Smith 

43. Maria Esposito Christine Hartman Cohen-Hartman 
44. Allen Green Richard Rutt 
45. David Jackson , Tom Wiliams 
46. Harold McSweeny M б Ed Orell 

47. Eric Guinn ï Derek Hartley Ali Shahrak 

48. Gary Ponting 3 Anthony Zuppe James Surace 
49. Patrick Parisi Herman Libman Lisa D'Amico. 
50. Samuel Cohen. Eric Giglione 


* Percentage of Net to Gross 


YTD Qualifiers 


Scott Smith 
Scott Smith 
Mare Zipper 


Eric Nichols 
Marlon Underwood 
James Dattilo 


8 SPOTLIGHT NOVEMBER 2002 в WWW.AILIFECOM 


COMMUNITY INVOLVEMENT 


MONETARY DONATIONS 


Rick Altig Agency 

% Donated $25 to the ATU 1505 annual Christmas party. 
Contributed $100 to British Columbia boxing. 
Gave $5,000 to Washington State for Referendum 51. 


Donated $85 to the Washington State Labor Council for 
door prizes. 


Donated $110 for a WSCFF fund raiser. 
Contributed $2,000 to the Tennessee AFL-CIO. 
Contributed $50 for a BAC Local 1 raffle. 


Gave $50 to the Ottawa Labor Council for a dinner to 
honor Nancy Rich, 


Gave $300 to the Oregon Labor Round Table. 
Donated $200 to the ІВТ 81 golf tournament. 
Contributed $60 to the Oregon AFL-CIO. 


Contributed $72.42 to the Alberta Juvenile Diabetes 
Research Foundation. 


Gave $91.58 in door prizes to the IWA 1-3567. 
Contributed $500 to the SCFP 2815. 
Donated $200 to the TUAC 500 Gala. 


Contributed $1,000 to the Minnesota Bowling. 
Association scholarship fund. 


Donated $250 to the IBT 599 golf tournament. 


Contributed $194.22 to the British Columbia 
Snowmobile Associ 


«+з» „өөө 


Gave $300 to the Carpenters 1325 

Donated $316 to the Big Island CU League. 

Donated $600 to the Elevators Union Local 126. 
Contributed $300 to the OCUMA golf tournament. 
Gave $250 to the APWU 2756. 

Donated $300 to the Oregon ACPO conference. 
Contributed $3,169 to Alberta Fish and Game. 
Donated $100 to the ATU 1505 for their annual dance. 
Gave $460 to the Alberta Building Trades Convention. 
Gave $2,500 to the Manitoba Federation of Labour. 


Donated $116.96 to the Manitoba CEP for Jerry Woods’ 
retirement dinner. 


Contributed $250 to the Cement Masons Local 528. 


• Donated $413 to the IBT Joint Council golf tournament. 
е Gave $100 in gift certificates to the Cedar Rapids 
Hawkeye Labor Council. 
* Donated $265 to the CWA 3808 golf tournament. 
Altig-Martyn Agency 
© Contributed $400 to the Ontario Brantford District 
Labor Council. 
David Cohen Agency \ 
® Donated $1,000 along with the Furer-Whittinghill 
Agency to the Labor Agency golf tournament. 
‘© Contributed $200 to the Turkeys for Tots program. 
Cohen-Hartman Agency 
е Contributed $500 to the Building Trades golf outing. 
© Donated $500 to the CWA Hope 2002 golf outing, 
% Contributed $1,500 to the United Nurses Association 
of California. 
Lloyd Fitzgerald Agency 
® Gave $500 to the Credit Unions for Kids golf outing, 


Mark Hancock Agency 
* Contributed $2,000 to the Teamsters Local 135 
scholarship fund. 


‘© Gave $100 to the Indianapolis Fire Fighters Local 416. 

© Donated $100 to the Indiana Central Labor Council. 
Vic Hancock Agency 

© Gave $100 to the IBEW 816 annual golf outing. 

© Contributed $100 to the Kentucky Credit Union League. 
Mike Jones Agency 

© Contributed $750 to the Toledo Port Council. 

4 Donated 82,000 to a United Way/Labor golf outing. 
Nick Nitkowski Agency 

© Contributed $100 to the Plumbers & Steamfitters’ Local 

Union No. 60 Megan Taylor education fund, 


Shashi Parekh Agency 
е Gave $250 to the AFL-CIO scholarship fund. 


© Donated $50 to a Mt. Olive church group. 


Total $29,878.18 


OTHER DONATIONS 


David Cohen Agency 
4 Donated two DVD players to the Ironworkers 416 
annual picnic. 


Lloyd Fitzgerald Agency 
% Donated the top prize for the Southeast Community 
Credit Union's miniature golf tournament. 


SPOTLIGHT NOVEMBER 2002 в WWWAILIFE.COM 9 


RETENTION BONUS RETENTION BONUS 


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SINO Chr бизе КҮ Baren Dunen Oiane Pipe eons Baman Е oe, A. Mada Ro 
51700 Douglas Lampugh Steve Fedander Huber Li 1221-24 ae К То Conard Е Adam David Cohen 
EE ES са HE pe E Eu nm 
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mum, 55. co EE х=. ir E 5 хе 2 E: 
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ET > Еге ы == i B 
шеше ЫЖ AE nya ШШШ [— Шш. к Шш қыла = ош 


10 SPOTLIGHT NOVEMBER 2002 в WWW.AILIFE.COM SPOTLIGHT NOVEMBER 2002 в WWW.AILIFECOM 


НН 


ШЕШЕН 


11441141 


E teeta seat ssa 


ЗЕЕ 


55556 


geggi 


SUPERVISING AGENTS 


Raleigh, МС 


Pellicciotta 


Raleigh, МС 


Month: $43,409 1st Yr. Gino Тап Month: $50,606 Net ALP Chad Roehrs 


. Eric Topper $32,732 Ladislav Lesanek | Ali Shahrak 
‚ Michael Pellicciotta. 29,728 Marc Rosen Eric Giglione 
Lesloy Habers 19481 Yumiko Yamashita | Ali Shahrak 
John Konopka 19,142 Byron Watson Eric Giglione 
Judy Ramos 17,669 Lorena Barriere | David Cohen 


YTD: $237,992 Net ALP Vladimir Opra 


. Susan Schweitzer | $95,138 $158,992 Wendell Bangs | Rick Altig 
Tracy MoNallan 87,968 129,153 Wendell Bangs Rick Altig 


YTD Production 


Darren Brink 61,347 94,236 Nickolay Gusev | Маа Basov 
Todd Faulkner 59,381 89,455 Ladislav Lesanek | Ali Shahrak 
Michael Czopek 57,152 105,163 David Hausman | Егіс Giglione 


Supervising Agent selection guidelines for recognition in the Spotlight are as follows: Must have one First Year Agent coded and meet ай production requirements. 


12 SPOTLIGHT NOVEMBER 2002 ж WWW.AILIFECOM 


1. Kevin Thornburg 

2. Joshua Robinson 

3. Bret Fels 

4. James Boucher 

5. Samuel James 

6. Brad VanAlfen 

7. Denise Bateman 
8. Jason Schlomann 
9. Francisco Perez 

10. Kevin Leonard 


GENERAL AGENTS 


2, Joshua Robinson 


Swansea, IL 


Ft Lauderdale, FL 


Month: $102,403 tst Yr. Eric Neal Month: $111,262 Net ALP Eric Neal 


Ridgeland, MS 
X 


Damon Harlley 
Leslie Taylor 
Eric Neal 

William Cook 


Dennis Kelleher 
Brian Traboulay 
Jonathan Saluk 
Jeffrey Dinocento 
Marlon Underwood 


Geneser-Bitman 
Geneser-Bitman 
Tom Williams. 


Wittenbach-Ostrovsky 


Giglione-Brister 
Rick Altig 
Richard Rutt 
Eric Gigllone 
Scott Smith 


Geneser-Bitman 


21. Samuel James 

* 2. Scott Geisel 

*3. Jim Bianchi 

* 4, Jeffrey Ravnitzky 
* 8. Francisco Perez 
6. Hal Herman 

7. Joshua Robinson 
8. James Boucher 
9. John Huber 

10. Dorian Oldham 


$252,969 
237,160 
203,588 
173208 
171,109 
157,701 
156,118 
146,956 
143,339 
140,812 


YTD: $489,120 tst Yr. Eric Neal YTD: $864,620 Net ALP 


$323,471 
283,765 
318,826 Раш Rumbuc 
220,202 Israel Pena 
255,845 Jeffrey Dinocento. 
238,701 Раш Rumbuc 
251,517 Leslie Taylor. 
206615 William Соок 
248,201 Jeff Dinocento 
202,154 Paul Rumbuc 


Lisa D'Amico 
Durhon Oldham 
Tom Williams. 
Eric Giglione 
Durhon Oldham 
Geneser-Bitman 
Tom Williams. 
Eric Giglione 
Durhon Oldham 


Witlenbach-Ostrovsky | 


General Agent selection guidelines for recognition in the Spotlight are as follows: Must have two First Year Agents coded and meet all production requirements. 


SPOTLIGHT NOVEMBER 2002 æ WWWAILIFECOM 


MASTER GENERAL AGENTS MASTER GENERAL AGENTS 


October Production Month: $190,653 tst Yr Slav Bilman Month: $236 811 Net ALP Ed Orell 
Rochester, NY Edison, NJ Д 1 t de Е D 43 B | 
1. Paul Rumbuc 80.8 24 Durhon Oldham. 
2. David Hausman 644 22 Eric Giglione 
3. Eric Neal. 65,8 19 Geneser-Bitman 
4. Steven Greer 832 10 Durhon Oldham 
" жәе 5. Jetfrey Dinocento 719 21 Eric Giglione. 
a 6. William Cook 737 16 Tom Williams X 
7. Jonathan Saluk 78.0 10 Richard Rutt 9 
` 8. Brian Traboulay 736 11 Rick Altig. 
9. Leslie Taylor. 76.2 7; Geneser-Bitman 
= 10. Melanie Cohen. 720 13 Giglione-Brister 
Swansea, IL 11. Mare Rosen 767 d Eric Giglione. 
12. Marcellus Adams 66.0 24 Allan Jennings. 
13. Theodore Pappas 772 7 Richard Rutt 
14. Yumiko Yamashita 684 13 Ali Shahrak 
15. Joseph Diecedue 645 9 Nicholas Nitkowski 
16. Dennis Kelleher 8 Giglione-Brister 
17. Russell Chang. 80.6 8 Rick Altig 
18. Eric Nichols 66.5 7 Scott Smith 
19. David шуе 72.0 16 David Cohen. 
6, William Cook 20. Gregory Partee 68.6 9 Vie Hancock 
Edison, NJ Ft. Lauderdal 


Durhon Oldham 
21 Eric Giglione. 
18 Geneser-Bitman 
2 Eric Giglione 
Great Neck, № 2 Rick Atto 
16 David Cohen 
13 Furer-Whittinghill 
' 36 Tom Wiliams 
14 David Cohen 
8 Соһеп-Найтап 
| 18 Jatott-Foti 
4 Scott Smith 
1 Eric Giglione 
10 Durhon Oldham 
9, Leslie Taylor 10. Melanie Cohen. 9 Vic Hancock 
‘Swansea, IL 11 Eric Giglione 
18 Altig-Martyn 
Brandon Geneser 683 9 Larry Geneser 
18. Theodore Pappas 432988| 473608 | 72 ў Richard Rutt 
. John Akers 476,364 т14 7 Chris Lafond 


Master General Agent selection guidelines for recognition in the Spotlight аге as follows: Must have four First Year Agents coded and meet all production requirements, 


SPOTLIGHT NOVEMBER 2002 # WWWAAILIFECOM SPOTLIGHT NOVEMBER 2002 и WWWAILIFECOM 15 


Раш Rumbuc 
$14,342 


Eric Neal 
$11,169 


David Hausman 
$11,059 


Steven Greer 
$9,632 


Jonathan Saluk 
$7,695 


Bill Cook 
$7,767 


Russell Chang 
$7,297 


Pat Shehan 
7,242 
Marc Rosen 
71 


Leslie Taylor 
$6941 


Gregory Partee 

36,756 

Jeffrey Dinocento 

36,683 

Dennis Kelleher 

$6,088 

Ladi Lesanek 

$6,061 

Theodore Pappas 

$5,809 

Ronald VanWoesik 
,635 

Eric Nichols 

$5,129 

Roger Fung 

$4,944 

Bronson Zolik 

Steven Вай! 

$4,809 


Erik Graham 


MANAGEMENT BONUS 


Monthly Management Bonus 
65 Percent and 70 Percent MGA Contracts 
57.5 Percent GAs Coded Under MGA 


October Bonus Qualifiers 


Marlon Underwood Brian Waller Lorena Barriere. 

$4738 $2,526 $1,112 

Steven Jakubczak Steven Lee Dorian Oldham 

$4731 $2491 $1,066 

Joseph Diecedue Timothy Collier John McGrath 

$4727 $2,397 $1,051 

Lawrence Hauck Marcellus Adams Francisco Perez 

54674 $2,355 $986 

Brian Traboulay Christine Hartman William Thompson 

$4,649 $2,312 $964 

Mathew Hart Mahmoud Kenareh Gregory Jeffers 

$4,648 $2,238 5779 

Brian Schaefer David Tubbin John McCreary 

$4521 $2,158 5741 

David Iriye Sidney Hodgskiss Eric Grier 

$4,520 52098 5713 

Robert Delesky Yumiko Yamashita Jim Bianchi 

$4,394 $1,984 $698 

James Beck Ша Orlovic Denise Gilbert 

$3971 $1,854 $694 

Jay Mullins Lee Conti Bret Fels. 

$3,538 $1,850 $686 

Bruce Hennick Roger Geering Jerald Muhammad 
442 $1,497 $641 

Cathy Thompson Wayne Hendricks Denard Cooper 

52257 $1,447 $591 

DeMario Cooper Nickolay Gusev Matthew Wolfanger 

$3,178 $1,381 5465 

Мех Roland. John Akers Narinder Dhillon 

$2,975 $1,328 5460 

Henry Moran Kevin Leonard Lisa Donoghue 

$2,895 $1,303 $458 

Byron Watson Tim Thompson Emmanuelle Fantoli 

$2,862 $1,296 $456 

Kevin Khadivian Joshua Robinson Robert Tooley 
818 $1,292 $454 

Israel Pena Rajeev Arora James Boucher 

$2814 $1239 5453 

Ron Howell Jeremy Welch Rick Choptuik 

$2,722 $1,137 $439 

James Logan Jason Schlomann Donavan Locklear 

$2,626 $396 


Total $287,964 


SPOTLIGHT NOVEMBER 2002 в WWWAILIFE.COM. 


Scott Blum. 

$380 

Thomas Alligood 
5378 

Asif Javaid 

$367 

Eric Tuttobene 
$364 

Barry Deardortt 
$330 
Melinda-Rae Lyse 
$325 

Gary McClanahan 
$311 

Gary Selesky 
3311 

Robert Olive. 
$298 

Gabriel Springer 
$290 

Charles Rodriguez 
$289 

Joseph Ricci 
5289 

Brad VanAlfen 
$281 

Denise Bateman 
$280 

Kent Booze 

$267 

Keith Zabrocki 
5266 

Scott Georger 
$264 

Hal Herman 
$209 

Jeffrey Ravnitzky 
$187 


John Huber 
$95 


SGA DEVELOPMENT 


The Work of the Leader 


I have researched, read and thought a lot about our 
profession and the many roles we take on within that. 
profession. 1 have also done a great deal of thinking 
about the qualities, characteristics and prerequisites of 
leadership. Based on this reflection, I have reached а 
number of conclusions. 


For one, I have concluded that leadership is only 
possible where the ground has been prepare 
advance. То а certain extent, I will be the first to 
admit, this process of ground-breaking is beyond the 
control of a lone individual 


the more you know, the more of an expert you 
become, and the stronger leader you will be. A 
leader must also be able to express empathy, У 
Empathy is the ability of putting yourself in other 
people's shoes. Being able to empathize with your 
clients, prospects and Agents will help you deal 
effectively with the many issues which arise that 
these people will be looking to you to solve. In my 
experience, both of these traits can be cultivated. 


The leadership equation requires yet another vital 
prerequisite, Leaders are not 


in a large company like 
American Income Life. If 
s not 


only shaped by their 
environment; they also take 
active roles in remaking that 


ап organizatior EN S 
pulling for you, you are Бо ESR environment in productive 
likely to be hobbled from Vice Pesidentorsca | vov. In other words, true 
the start. ТІ и leaders create organizations. 


Fortunately, for all of AIL yl 
current and future leaders, 
we understand the need to 
до to greater lengths to 
groom and develop our 
leaders. American Income 


“The best lenders are clear. They continually light 
the way, and in the process, let others know that 
what they do makes a difference." 


that support the exercise and 
cultivation of leadership. This 
can only be achieved through 
rigorous and systematic 
organizational development. 

— Anonymous 


The work of leadership is 


is constantly looking to 
broaden the skills and knowledge base of its people. 
A leader, however, is not simply a passive vessel into 
which we can pour our best intentions. Personal 
development is the first important building block 

of leadership. 


To lead successfully, a person must demonstrate two 
active, essential and interrelated traits — expertise 
and empathy. A leader must be “in the know” when 
it comes to their profession. АШ that simply means is, 


therefore, both personal and 

organizational. The bad news is, this means lots of 

hard work. The good news is, leaders are made, not 
om. 


Lam convinced that anyone who wants to work 
hard enough and develop these traits can lead. 
Lets continue to improve ourselves as leaders 

and understand what the ancient Romans meant 
when they said, “A learned man always has wealth 
within himself.” 


SPOTLIGHT NOVEMBER 2002 в WWWAILIFECOM 7 


STATE GENERAL AGENTS STATE GENERAL AGENTS 


Eric Giglione 


OCTOBER PRODUCTION YEAR TO DATE RAUS 


1st Yr Aui Ast Yr 
мен| sas Doan Drean [| мағ 
55,505,61 


YEAR TO DATE DUIS 


1st Yr 
ШЕРУЛЕРІ 


$2,013,659 
5 2 1,007670 4804 yes 20 262, 
709 6970 468000 Мз 71735 
712 970491 480000 202 1,251,683 
349905 300000 117 441404 
T 781 694784 432000 161 968,401 
49718 603 | 900692 480000 188 1040507 


Net ALP 
Erle Giglione 5456194 5164000 $592,480 54232499 $1,680,000 

Rick Alti 931,556 468000 1434973 0 7,766,802 4,608,000 % 
Larry Geneser 173396 108000 249964 4 2,453,347 1092000 225 
Soott Smith 290,010 240000 661,127 3 304317 2244000 1% 
Richard Ни! 186,694 156,000 201,758 1,118,727 1,500000 

David Cohen. 162,22 156000 283951 1,787060 1488000 120 


Durhon Oldham Robert Hughes 


Category Il OCTOBER PRODUCTION YEAR TO DATE PRODUCTION 


OCTOBER PRODUCTION YEAR TO DATE PRODUCTION 
1st Yr 
ТМ меш еее ШІ тезі есеге ШІ көн д к 
Durhon Oldham $228,933 572,000 318 807 $1,640,353 $720,000 228 $1,997,943 
575,391 1 $135,461 $72,000 188 $158707 
Giglione-Brister 117,863 84,000. 140 Sed 85 694,102 492000 141 852,246 73.343 ier ў 680. 666171 360,000. 185 806389 


Vlad Basov 95998 8400 14 115281 764 667886 660000 101 120352 


67184 36000 м 684 413,806 360000 1156 747670 
5257 36000 z 720 337,177 360000 572,937 
39515 | 35000 659 317676 360000 554,928 


Tom Williams 
Category Ш OCTOBER PRODUCTION YEAR TO DATE PRODUCTION 
Ast Yr 1st Yr Of 

Standard ЕЯ nerap [na| min | JY; [stantara] $0! | Net ave 
Tom Williams $144,584 568000 713 $1,475,921 5600000 246 $2,053,161 
‘Allan Jennings. 123675 60,000 Ж, бие. 670 571276 458000 125 695,047 
Marc Morton. 118,652 60000 198 150,601 719 1,007,475 600000 168 1230150 
‘Vic Hancock 104982 60000 175 145674 88 312465 180,000 174 402657 
Shashi Parekh 7689 6000 128 94920 5 102,191 120,000 133,595 


SPOTLIGHT NOVEMBER 2002 ш WWW.AILIFECOM SPOTLIGHT NOVEMBER 2002 в WWW.AILIFECOM 


PR REPRESENTATIVES 


PR Manager 


Debbie Enstedt 
Winnipeg, MB. 


D] At Wall Jacqueline deVooght 

Toronto, ON Calgary, АВ 

Category B: 
Joseph Ward Vivian Dwyer 
Swansea, IL Raleigh, МС 

^ 

Category С; 
Roy Jessome Darrell Dorey 
Halifax, NS Halifax, NS 

20 SPOTLIGHT NOVEMBER 2002 = WWWAILIFECOM 


PR REPRESENTATIVES 


October Production YTD Production 
PR Manager No. Cards SGA PR Manager No. Cards SGA 
1. Debbie Enstedt 18,855 | Rick Altig “1, Debbie Enstedt 173,249 | Rick Altig 
2. Al Wall 6747 | Joshua Chalom 72. Malka Arony 44175 | Cohen-Hartman 
3. Charles Hill 607 | Jatott-Foti 3. AL Wall 32542 | Joshua Chalom 
N 
All Time PR Card Production Record 
18,960 cards Anthony Genti YTD: 61,879 cards Denise Bowyer 
No. Cards Category A No. Cards SGA 
. Al Wall 6,745 | Joshua Chalom “1, Rona Spano 30,410 | Scott Smith 
2. Jacqueline deVooght | 5037 | Rick Attig *2, Robin Denham 28541 | Larry Geneser 
3, Robin Denham 3545 | Larry Geneser 73. BrendaDiSomma | 27790 | Eric Giglione 
4. John Molina. 3225 | Jatoft-oti 4. AL Wall 24,05 | Joshua Chalom 
5. Irene Rurycz 2390 | James Surace 5. Bernard Wendeker | 22,843 | Rick Attig 
Category В No. Cards SGA Category В No. Cards SGA 
1. Joseph Ward 2,633 | Geneser-Bitman “1, Laurie Onasch 19,517 | Manone & Altig 
2. Vivian Dwyer 2052 | Ali Shahrak 22. Malka Arony 18409 | Соһеп-Найтап 
3. Darrell Dorey 2037 | Ramin Kouladji 53, Erin McKee 34,79. | Shashi Parekh 
4. Becky Cutler 1,533 | Wiliam Jennings 4. Sandra Johnson 1183 | Gary Bleier 
5. Laurie Onasch 1264 | Manone 8 Altig 5. Lydia Hovanski 11.198 | Alan Jennings 
All Time PR Group Production Record PR Group Production Record 
Month: 125 groups Darrell Dorey 330 groups Darrell Dorey 
Category С No. Groups SGA Category SGA 
1. Roy Jessome 40 | Ramin Kouladji . Darrell Dorey Ramin Кошай! 
2, Darrell Dorey 31 | Ramin Kouladji 22. Roy Jessome Ramin Кошай} 
3. Jenny Wiliams 18 — | Rick Attig 2. Richard Case James Surace 
3. Joseph Ward 18 | Geneser-Bitman 4. Kenneth Altizer Marc Morton 
3. Becky Cutler 15 | Bill Jennings 5. Vivian Dwyer Ali Shahrak 
3. Susan Kelleher 18 | David Zophin 
З. Tracy Smith | 15 | Robert Smith 


Category A = SGA categories one and two. Category В = SGA categories three, four, five and six. Category C = Top number of contracts signed from all SGA 
categories. Public Relations Manager selection guidelines for recognition in the Spotlight areas follows: Must have two РЯ, Representatives coded and meet all 


‘production requirements. 


SPOTLIGHT NOVEMBER 2002 ж WWWAILIFECOM 


PR BONUS 


Qualifiers 


Kenneth Altizer 
Darrell Dorey $1,088 
Richard Case $1,088 
Robin Denham $1,088 
Vivian Dwyer $975 
Jacqueline deVooght $825 
Becky Cutler. $708 
AI Wall $788 
Robin Andrade. 5788 
Susan Kelleher $708 
Leanor Lopez $750 
Richard Jessome 5750 
John Molina 5750 
Joseph Ward. $750 
Tracy Smith $750 
Brenda DiSomma $725 
Rona Spano $725 
Irene Ruryez $650 
John Wilkinson $625 
Leo VanDenBussche $580 
Bernard Wendekier $550 
Chery! Cook 5550 
Joseph Westfall 5525 
Patricia Metcalf $500 
Jennifer Орға $500 
Laurie Onasch 5435 
Robert Dailey $400 
Manon Brulotte $400 
Malka Arony $313 
Erin McKee $300 
Shannon Walker $300 

da Bauknochl-Hicks $290 
Erica Dalager $275 
Bill Gibson $263 
Catherine Briggle $263 
Cynthia Ware $263 
Krissa Hensley $250 
Lou Nell Busby $250 
Gabriela Berloni $250 
Roger Johnson $250 
Sandra Johnson $240 
Ayanna Prendergast $200 
Lydia Hovanski $200 
David Blaisdell $200 
Frances Christie $200 
Brenda Swecker $200 


$24,726 


SPOTLIGHT NOVEMBER 2002 ш WWW.AILIFECOM 


OCTOBER 


INSIGHT | 


What is the Value of Your Experience? 


Pablo Picasso was a well-known 20th Century artist. 
During his lifetime he created an overwhelming 
22,000 pieces. These works included paintings, 
sculptures, ceramics, mosaics, graphic arts and even 
stage designs. Picasso's art has become so reputable 
and widespread that he is considered the inspiration 
for the modern art movement including Cubism, 
which he and Georges Braque co-invented, and for 
which he is still famous today. 

L recently read an interesting story about Picasso, and 
it seems, this story has changed my life — or at least 
my way of thinking. 


on who wanted the napkin 


On a more serious note, the story did make me realize 
that my experience and knowledge — at least in my 
chosen profession — do indeed have value. For that 
matter, everyone’s experience has value. It is, 
however, how an individual demonstrates that 
experience and knowledge that increase the value of 
these intangibles. 


With this in mind, what is the value of your 
experience and knowledge? 

Will you be an integral part of your Ageney in 
generating one thousand 


А young man walked into a 
small European café. Sitting 
at a table near the entrance 
was an older man that 
resembled Pablo Picasso 
The young man approached 
the man and inquired about 
his identity. The older 
gentleman nodded, smiled 
and admitted he was indeed 
Picasso, Being a fan of the 
artist, the young man 


FROM THE DESK OF; 
Denise Bowyer 


National Director of 


doing that which I cannot do, in 
order that 1 may learn how to do it.” 


hard cards annually/per 
Producer coded? 

Will you couple your 
experience with an increase in 
activity to help meet the 
challenge of producing two 
million leads throughout the 
entire company? 

Will you be willing to share 
your experience and 
knowledge by helping train 


Vice President & 


Public Relations 


— Pablo Picasso 


handed him a cocktail 
napkin and asked, "Will you draw something 1 сап 
keep as a souvenir?” Picasso said he would, but would 
like to be paid the value of the drawing, The young 
man agreed, and Picasso began to draw. Picasso 
completed the drawing, held out the finished product 
and said, "That will be $10,000." The young man 
reddened, stammered and said, "Ten thousand dollars 
— it only took you ten seconds.” Picasso smiled and 
replied proudly, “No, it took me 30 years.” 


Almost immediatel were me doing 
the drawing the cock in would be worth 
something like $2 and that would still greatly depend 


new PR. Reps? 
Will you be a mentor or be invited to serve on next 
year’s Leadership Council? 

Will you increase your activity to capitalize on the 
proposed changes for a PR. Career contract, 
retirement contributions, and increased monthly 
bonus opportunities? 

Will your worth be more as your experience and 
knowledge grows? 

Just remember, it is experience coupled with activity 
that determine: 
by you! 


your value, and your value is decided 


In Memoriam 


iul Wellstone the Democratic Senator from Minnesc 
“The plane went down in snowy, frozen 


and then burst into flames іп a wooded area about seven mile: 
icipal Airport.” Wellstone was on the campaign trail when his plan 


died in a small plane crash on Oct, 25, 2002, According to CNN reports, 


cast of the Eveleth. 
lo carrying his wife and daughter, went down. 


Mr. Wellstone was seeking re-election against the Republican candidate Norm Coleman, former mayor of St. Paul. 


Senator Paul Wellstone was an advocate of health care coverage expansion, veterans affairs, environmental concerns and was a 


friend to the labor movement. He will be gr 


апу missed by the working men and women of Minnesota and America. Г 


forget 


to read next month's issue of Spotlight when Denise Bowyer pays tribute to this outstanding man and politican, 


SPOTLIGHT NOVEMBER 2002 в WWWAILIFE.COM 23 


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